Egyptian Gulf Bank SAE · EGBE.CA

Egyptian Gulf Bank SAE is an Egypt-based banks business in the financials sector, listed on the Egyptian Exchange under ticker EGBE.CA. Egyptian Gulf Bank SAE (EGB) is an Egypt-based company engaged in the provision of corporate, retail and investment banking services through a network of 16 branches located across Egypt. The Bank is organized into three business segments: the Small, Medium and Large Enterprises segment covers current accounts, debit current account, loan, credit facilities and financial derivatives; the Investment segment includes mergers and acquisition (M&A), investments, financing for companies’ restructuring and other financial instruments; the Individual segment offers current, deposit and savings accounts, credit cards, personal and real estate loans, and the Other operations segment includes other banking activities, such as money management. As of December 31, 2011, Egyptian Gulf Bank SAE’s subsidiaries included Hamenz Company, Egyptian American Company for Medical Devices and Egy Gas Company. Its investment profile is best assessed through financial services, investment activity, capital allocation, balance-sheet management, and exposure to Egyptian credit and capital-market cycles. Key analysis points include business model clarity, durability of revenue sources, cost control, cash conversion, leverage, shareholder structure, and the consistency of public disclosures over time.